Everyone's situation is different, but I can tell you that I'm sitting the second step out. Take a look at Northfield yesterday and today. I think UBNK may open in a similar fashion. Also, UBNK is going to have a huge amount of capital of deploy in a difficult market. It looks like they plan to put much of it into commercial real estate loans. This will increase their risk profile. That being said, I have a decent slug of this already, at least for me, and plan to hold thru the transaction. Good luck, and dive into the prospectus.